Data processing method and system

ABSTRACT

The present disclosure provides techniques for data processing. These techniques may transport, by a computing device, individual retrieving requests for second data corresponding to a first client that sends the retrieving requests for first data into the order pool. The computing device may calculate an initial value of a second total amount of the second data, and then notify a platform of a third party to send the corresponding first data to the first client. The computing device may determine corresponding qualification after retrieving requests for the second data in the order pool are changed. The computing device may return third data to a data processing server of the third party in response to qualification determination. These techniques reduce usage of network resource and therefore increase efficacy of the networking.

CROSS REFERENCE TO RELATED PATENT APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.14/025,664 filed on Sep. 12, 2013, which claims priority to ChinesePatent Application No. 201210340255.3, filed on Sep. 13, 2012, entitled“Data Processing Method and System,” each of which is herebyincorporated by reference in their entirety.

TECHNICAL FIELD

The present disclosure relates to computer technology and, morespecifically, to data processing.

BACKGROUND

In general, a first client may request first data from a data processingserver of a third party. The first client receives a retrieving requestfor second data from a second client, wherein the retrieving request forsecond data is the second client's request that requests second datastored in the first client. The first client may send a retrievingrequest for the first data to a first server so that the first server,in accordance with the retrieving request, notifies the data processingserver of the third party to send the first data, which is calling datacorresponding to the second data, to the first client.

After the completion of the retrieving request for the second data hasbeen confirmed, third data sent from the second client is taken as acompensation data that compensates the first data to send to the dataprocessing server of the third party. The third data, sent from thesecond client to the first client, is a confirmation data that confirmsthe completion of the retrieving request for the second data.

In such a process as described above, with respect to the first client,once each retrieving request for the second data is received, it isnecessary to send one retrieving request for the first data to the firstserver in order to let the first server notify the data processingserver of the third party to send the first data to the first client.Then after the confirmation of the retrieving request for the seconddata is completed, the third data is sent back to the data processingserver of the third party. Therefore, when the first client receives aplurality of the retrieving requests for the second data, the firstclient may generate a large amount of retrieving requests for the firstdata, a large amount of the first data that corresponds to theretrieving requests, and a larger amount of the third data required tobe returned as well, if a large number of clients similar to the firstclient exist in the network. Consequently, with regard to the network,the above method for processing data requires the transportation of atremendous amount of data and therefore occupies network resources aswell as slows down the efficacy of network. Regarding the first server,a lot of data resources of the first server will be occupied andtherefore cause heavy loading of the first server, since the firstserver also needs to process a large amount of data.

An example for explaining the above can be found in a conventionaltransaction process of a networking platform. For example, a sellerintends to apply for a loan by using an account receivable (AR)generated in a transaction order that is not yet received by a buyer.Suppose that a first server associated with the seller requests a loanfrom a server of a third party of a financial organization. Thetransaction order is generated after the buyer clicks a commodity itemwith a specific price in the networking platform. Meanwhile, withrespect to the seller, he/she obtains a prospective view that the buyershould pay for the transaction order. The seller cannot really receivethe money before the buyer confirms the product is received.Accordingly, in accordance with the transaction order, the seller canrequest the server of the third party of financial organization to lendthe money with credit as the same as the order through the first server.The server of the third party of financial organization thus loans themoney with the same credit to the seller in accordance the transactionorder. If the buyer has confirmed receipt of the product and paid themoney, the first server would return the money paid by the buyer to theserver of the third party of financial organization. However, in thepractice, with respect to the seller, there is a problem that for everysingle transaction order the first server needs to apply a loan to theserver of the third financial organization. In other words, in practice,if the seller sells a large amount of commodity items, there will be alarge amount of transaction orders. Therefore, using the method forprocessing data as described above, the transfer data is tremendous; sothe transfer efficacy is low and a load on the first server isoverwhelming.

SUMMARY

The present disclosure provides methods and systems for processing datato overcome an existing problem in conventional techniques. For example,the procedure of data processing using conventional techniques iscomplicated and the first server needs to process a large amount ofdata. In addition, every single transaction order has to be processedwithin a single process, causing and a heavy load for the first server.

Embodiments of the present disclosure relate to a method for processingdate. The method may include receiving, by a computing device, aretrieving request for a first data from a first client, wherein theretrieving request for the first data is sent from the first client torequest a data processing server of a third party to send the first datato the first client. The computing device may then acquire eachretrieving request for a second data that is sent to the first clientfrom each second client based on the retrieving request for the firstdata. The computing device may transport the retrieving requests for thesecond data into a request pool, and calculate an initial value of asecond total amount of the second data. The computing device may notifya platform of the third party to send the corresponding first data tothe first client based on the second total amount, and record a firsttotal amount of the first data.

In some embodiments, the computing device may transport any newretrieving request for the second data into the request pool while anynew retrieving request for the second data is acquired. After aconfirmation message that the retrieving request for the second data hasbeen accomplished is received, the computing device may remove theretrieving request for the second data from the request pool, andrestart the computation of the second total amount in accordance with,in the request pool, the second data of the retrieving request for thesecond data.

In some embodiments, the computing device may compare the second totalamount with the first total amount as a comparing result, and determinewhether a total of a third data or a part of the third data is to bereturned to the data processing server of the third party or not inaccordance with the comparing result, wherein the third data sent from asecond client to the first client is corresponding to a confirmationdata that confirms the accomplishment of the retrieving request for thesecond data.

In some embodiments, the computing device may restart the computation ofthe first total amount that is obtained as a remaining first totalamount by subtracting the third data that is returned to the dataprocessing server of the third party from the first total amount if thetotal of the third data or the part of the third data has returned tothe data processing server of the third party.

In some embodiments, after the retrieving request for the first datafrom the first client is received, or after the initial value of thesecond total amount of the second data is computed, the computing devicemay determine whether the first client is qualified as being allowed tosend the retrieving request for the first data.

In some embodiments, the computing device may suspend the retrievingrequest for the first data sent by the first client if the first clientis not qualified.

In some embodiments, the determining whether the first client meets acriterion as a user being allowed to send the retrieving request for thefirst data may include retrieving a terminal device information of thefirst client, and determining whether the first client is fraudulent ornot in accordance with the terminal device information. The computingdevice may send a client identification information corresponding to thefirst client to a real-name verification database to determine whetherthe first client is matched with the information in the real-nameverification database or not, if the first client is determined as notfraudulent. The computing device may send verification information to amobile terminal device corresponding to the first client, and receivingthe verification information, inputted by the first client, forexamination, if the first client is determined as not fraudulent. Thecomputing device may determine whether the first client meets thecriterion of a safe loaning level in accordance with historical behaviorrecording information of the first client, if the examination is passed.

In some embodiments, the determining whether the first client meets thecriterion as a user of a safe loaning level may further includenotifying the first client whether he/she agrees a predeterminedcontract requirement and notifying the first client to input signatureinformation, if the first client agrees. The computing device thenexamines the signature information while the signature informationinputted by the first client is received, and then considers thepredetermined contract requirement as being sustained if the examinationis passed.

In some embodiments, the computing device may determine not to return atotal of the third data or a part of the third data to the dataprocessing server of the third party is processed if the first dataequals to or is larger than the second data. The computing device mayreturn a third data or a part of the third data to the third party dataprocessing server is processed if the first data is smaller than thesecond data.

In some embodiments, the computing device may add an assigned amount inproportion to the remaining first total amount into the first totalamount with respect to the retrieving request for the second data if adeadline for returning the third data to the data processing server ofthe third party exceeds a threshold value.

In some embodiments, the computing device may return a third datacorresponding to a difference of amount between the first total amountand the second total amount to the data processing server of the thirdparty.

In some embodiments, the computing device may acquire each retrievingrequest for a second data that is sent to the first client from eachsecond client, in accordance with the retrieving request for the firstdata, and then transport the retrieving request for the second datacorresponding to a confirmation response of the first client into therequest pool.

Embodiments of the disclosure also relate to a system including a firstserver and a processing server of a third party. The first server mayinclude a request receiving module configured to receive a retrievingrequest for a first data from a first client, wherein the retrievingrequest for the first data is sent from the first client to request dataprocessing server of a third party to send the first data to the firstclient. The first server may also include a second total amountcomputation module configured to acquire each retrieving request for asecond data that is sent to the first client from each second client.The second total amount computation module may then transport theretrieving requests for the second data into a request pool inaccordance with the retrieving request for the first data, and computean initial value of a second total amount of the second data inaccordance with a second data corresponding to, in an order pool, theretrieving request for the second data.

In some embodiments, the first server may also include a first totalamount computation module configured to notify a platform of the thirdparty to send the corresponding first data to the first client inaccordance with the second total amount, and to record a first totalamount of the first data.

In some embodiments, the first server may also include a new second dataretrieving request processing module configured to transport any newretrieving request for the second data into the request pool while anynew retrieving request for the second data is acquired.

In some embodiments, the first server may include a confirmed requestprocessing module configured to remove the retrieving request for thesecond data from the request pool while a message of confirming that theretrieving request for the second data has been accomplished isreceived, and to restart the computation of the second total amount inaccordance with, in the request pool, the second data of the retrievingrequest for the second data.

In some embodiments, the first server may also include a comparisondetermining module configured to compare the second total amount withthe first total amount as a comparing result, and for determiningwhether a total of a third data or a part of the third data is to bereturned to the data processing server of the third party or not inaccordance with the comparing result.

In some embodiments, the first server may also include a remaining firsttotal amount computation module configured to restart the computation ofthe first total amount that is obtained as a remaining first totalamount by subtracting the third data that is returned to the dataprocessing server of the third party from the first total amount, and toreturn a process to the confirmed request processing module.

In some embodiments, the first server may also include a qualificationdetermining module configured to determine whether the first client isqualified as being allowed to send the retrieving request for the firstdata or not, to return the process to the second total amount computingmodule or the first total amount computing module if the first client isqualified, and to suspend the retrieving request for the first data sentby the first client if the first client is not qualified.

In some embodiments, the first server may also include a firstdetermining module configured to process a decision of not returning atotal of the third data or a part of the third data to the dataprocessing server of the third party if the first data equals to or islarger than the second data.

In some embodiments, the first server may also include a seconddetermining module configured to process a decision of returning a thirddata or a part of the third data to the third party data processingserver if the first data is smaller than the second data.

As compared to convenient technology, the present disclosure has thefollowing advantages. By means of the utilization of a request pool(e.g., an order pool) in the present disclosure, when a first clientinitializes a retrieving request for a first data, every retrievingrequest for a second data in correspondence with the first client isdirected to the pool so that the second data corresponding to eachretrieving request for the second data is calculated as an initial valueof a second total amount, and then a data processing server of a thirdparty is notified to send a first total amount of the first data to thefirst client. Further, after the retrieving requests for the second datain the order pool changes, a determining procedure is processed inaccordance with a comparison result that is compared between the secondtotal amount of changed retrieving requests for the second data in theorder pool and remaining first total amount obtained in the previouscomputation. If a criterion of the comparison result is not meet, athird data will not be returned to a data processing server of the thirdparty. By the process as described above, it not only greatly decreasesthe amount of the retrieving requests for a first data but alsodecreases the number of times that the computing device returns thethird data to the data processing server of the third party to thereforereduce the data throughput in the network. Under a condition that thesame number of requests are processed, the occupation of networkresource becomes lower to thus increase the efficacy of the networkresource usage while the load of the first server is lower.

This Summary is not intended to identify all key features or essentialfeatures of the claimed subject matter, nor is it intended to be usedalone as an aid in determining the scope of the claimed subject matter.

BRIEF DESCRIPTION OF THE DRAWINGS

The Detailed Description is described with reference to the accompanyingfigures. The use of the same reference numbers in different figuresindicates similar or identical items.

FIG. 1 is a flowchart illustrating a data processing method of thepresent disclosure.

FIG. 2 is a schematic diagram of illustrative computing architecturesthat enable data processing.

DETAILED DESCRIPTION

To clarify the above objects, characteristics, and advantages of thepresent disclosure, the illustrating drawings are associated with thedetailed description of embodiments in the following description.

In some embodiments, the retrieving requests that are sent by the secondclient, and not confirmed based on feedback from the first client, maybe directed to a request pool. According to the request pool, adetermining process is processed to determine whether a third data is tobe as a compensating value for the first data that is sent by the dataprocessing server of the third party. In these instances, the third datais obtained as the second client who makes the payment of the seconddata of the retrieving request for the second data. This process notonly greatly decreases the amount of the retrieving requests for a firstdata but also decreases the number of times for returning the third datato the data processing server of the third party, therefore reducing thedata throughput in the network and the load on the first server.

FIG. 1 is a flowchart illustrating a data processing method of thepresent disclosure. At 102, a computing device (e.g., the first server)may include receiving, by a computing device, a retrieving request for afirst data from a first client, wherein the retrieving request for thefirst data is sent from the first client to request a data processingserver of a third party to send the first data to the first client. Thecomputing device may send a retrieving request for the first data to afirst server of the present disclosure if the first client is attemptedto borrow a first data from the data processing server of the thirdparty.

At 104, the computing device may acquire each retrieving request for asecond data that is sent to the first client from each second client andtransport the acquired retrieving requests for the second data into arequest pool in accordance with the retrieving request for the firstdata. The computing device may compute an initial value of a secondtotal amount of the second data in accordance with a second datacorresponding to, in the request pool (e.g., an order pool), theretrieving request for the second data.

In some embodiments, the computing device may send the retrievingrequest for the second data to the first client if the first client inthe network desires to acquire the second data of the second client.Since the first client, acting as a providing party of the second data,is able to provide the second data to any one of the second client, thecomputing device (e.g., the first client) may be corresponding to aplurality of the retrieving requests for the second data, wherein theseretrieving requests for the second data may be sent from different firstclients, and there is a probability that a single one of the firstclients may send a plurality of the retrieving requests for the seconddata.

Accordingly, the computing device may acquire each retrieving requestfor the second data sent to the first client from each second client andtransport the retrieving request for the second data into the requestpool. And for the purpose of the following computation, the presentdisclosure further provides an order pool where the order pool collectseach initial retrieving request for the second data in correspondencewith the first client for further procedure.

Thus, in accordance with the first client's retrieving request for thefirst data, the computing device may calculate and obtain a second datatotal amount, also referred to as a second total amount, based on thesecond data corresponding to the retrieving request for the second data.

In some embodiments, the computing device may further transport theretrieving request for the second data into the request pool inaccordance with the retrieving request for the first data. The firstclient is confirmed to respond to the second data with respect to eachretrieving request for the second data sent from the second client tothe first client.

In some embodiments, the computing device may receive the retrievingrequest for the second data from the second client so as to determinewhether to respond to the retrieving request for the second data. Forexample, the computing device may determine whether to provide a firstvaluable price to the second client.

At 106, the computing device may notify a platform of the third party tosend the corresponding first data to the first client in accordance withthe second total amount, and record a first total amount of the firstdata.

After obtaining the second total amount by computation, the first serverrequests the data processing server of the third party to send the firstdata with corresponding amount, i.e. the first total amount, to thefirst client, and records the first total amount of the first data.

The operations 102-106 illustrate the initial process of the firstserver where the initial first total amount and second total amount iscomputed, after the first client initializes the retrieving request forthe first data. The following operations 108-114 provide a loopingprocess for the newly added retrieving request for the second data andthe completion-confirmation of the retrieving request for the seconddata.

The following explains substantial procedures of data processing in theoperations 102-106 by taking a seller, a buyer, and a server of a thirdfinancial organization in a networking transaction platform as anexample.

The first client corresponds to the seller, the second clientcorresponds to the buyer, and the data processing server of the thirdparty corresponds to the server of the third financial organization.

Each retrieving request for the second data sent from the second clientto the first client can be a transactional order of a product that isnot paid and not confirmed by the buyer after the seller has alreadydelivered the product that is a commodity item brought by the buyer inthe seller's website of the networking transaction platform. The seconddata is the total amount of the product in the transaction order. Thethird data is the payment that the buyer pays for the product of theorder. The first data is a value of money that the server of the thirdfinancial organization loans to the buyer in accordance with the pricethat the seller sells the product to the buyer.

In some embodiments, the transaction order can be defined as an order ofa product that the seller has already delivered and the buyer hasalready paid for, but the receiving confirmation for this product hasnot been made by the buyer. Thus, the risk of the loan of the server ofthe third financial organization may decrease. Of course, thetransaction order may be defined in other ways. For example, thetransaction order may be an order when the seller has already deliveredthe corresponding product.

As taking a transaction order that a buyer buys a product from a selleras an example, the request pool can be considered as the order pool.

When the seller requests the server of the third party financialorganization to loan out the money in accordance the account receivable(AR) of the transaction order, the computing device firstly transportsthe transaction order sent from each buyer into the order pool and thencomputes the total amount of the account receivable A, i.e. the totalamount of the second data. Then the computing device notifies the serverof the third party financial organization to send the account receivablewith corresponding amount B, i.e., the first total amount of the firstdata, to the seller. After the account receivable B is sent to theseller, the computing device records the account receivable B of theseller (i.e., the first total amount of the first data).

For example, there is a seller with the name of “a” that possessestransaction orders including a transaction order #1 of 100 dollars, atransaction order #2 of 200 dollars, and a transaction order #3 of 300dollars which the seller is requesting. After the transportation ofthese transaction orders into the order pool, the account receivable ofthe seller “a”, which is the second total amount, is computed as 600dollars. Thus the credit that the seller requests the server of thethird financial organization to loan out is 600 dollars, and the 600dollars is recorded as the loaning value of the seller.

In some embodiments, after the operation 102, the computing device maygenerate a webpage of application form and issuing to a terminal of thefirst client after the first client receives a first request. Thecomputing device may receive information transported from the webpage ofapply form at the first client's terminal and then issuing theinformation of apply form to the first server according to a command ofwriting finished.

In some embodiments, the computing device may send initialidentification information inputted to the first client forverification. If the times of verification failure reaches a thresholdvalue, the computing device may suspend the retrieving request for thefirst data.

In some embodiments, the computing device may determine whether thefirst server has ever allowed the first client's retrieving request forthe first data. In these instances, the computing device will determinewhether the second total amount is smaller than a threshold value if thefirst server has ever allowed the retrieving request. The computingdevice may not send the verification information to a mobile terminaldevice corresponding to the first client if the second total amount isnot smaller than the threshold value. The verification informationinputted by the first client may be received for verification. Thecomputing device may continue to send the verification information sentto a mobile terminal device corresponding to the first client if thesecond total amount is smaller than the threshold value. Theverification information inputted by the first client may be receivedfor verification.

In other words, the computing device determines whether the accountreceivable of the seller is smaller than a threshold value, such as twohundred thousand dollars ($200,000). The computing device may notrequire the first client to input the verification code, such as amobile phone verification code, if the account receivable is smallerthan the threshold value.

In such a manner, the first client's retrieving request for the firstdata including the information inputted by users is sent to the firstserver, wherein the information inputted by users may include theidentification information of the users and so on.

For example, the retrieving request for the first data will be suspendedif the user fails for a certain number of times to enter correctinformation, e.g., a company name, a company number, a username, oruser's identification number.

Embodiments of this present disclosure also relate to techniques forpreventing any malicious retrieving request for the second data from thesecond client and for preventing the system from notifying the dataprocessing server of a third party to send large amounts of the firstdata because of an enormous amount of the retrieving request for thesecond data, which may result in a heavy loading of the third party'sdata processing server and enormous transfer data. The techniques mayinclude determining, by the computing device, whether the first clientis qualified as being allowed to send the retrieving request. Forexample, the computing device may determine whether the machine of thefirst client is being controlled by a Trojan program.

In some embodiments, the computing device may retrieve terminal deviceinformation of the first client, and determine whether the first clientis fraudulent in accordance with the terminal device information.

For example, a Media Access Control (MAC) address of a terminal deviceof the first client may be acquired to send a ping message command tothe terminal device allocated with the MAC address to determine whetherthe terminal device has the same MAC address as the device that sendsthe retrieving request for a first data. The terminal device of thefirst client is legal and not fraudulent if the addresses are the same.

In some embodiments, the computing device may require that the clientidentification information corresponding to the first client is sent toa real-name verification database to determine whether the first clientis matched with the information in the real-name verification databaseif the addresses are different.

The retrieving request for the first data is suspended if the firstclient is matched with the information in the real-name verificationdatabase.

For a seller in the networking platform, he/she has its actualidentification information. For example, for a personal seller, theidentification information may include a personal name, a personalidentification information, contact information, and so on. And for acompany seller, the identification information may include a companyname, a company registration number, a company's legal person's name, acompany's legal person identification information, contact information,and so on. These kinds of identification information are stored in thereal-name verification database of the first server. While the firstclient is matched with the information in the real-name verificationdatabase, it means that the first client is legal and not fraudulent.

In addition, the real-name verification database can be a databasebelonging to a third party.

In regards to the above operations, the related identificationinformation of the first client may be entered to application forms andthen be transported into the first server. The first server may matchthe identification information in the application form with theinformation in the real-name verification database.

In some embodiments, the computing device may send verificationinformation to a mobile terminal device corresponding to the firstclient and the verification information entered by the first client isreceived for verification if the identification information is matchedwith the information in the real-name verification database.

For example, if the identification information is matched with theinformation in the real-name verification database, a verification codeis sent to a mobile phone in association with the first client, and aninterface of verification short message is generated in a terminaldevice of the first client. After a corresponding client enters theverification message into the first server and sends it to the firstserver, the first server receives the verification code entered by thefirst client to process the verification with the verification code sentto the first client. The verification may be locally stored.

The computing device may determine that the identification informationis fraudulent if the identification information is not matched with theinformation in the real-name verification database. The computing devicemay then suspend the retrieving request for the first data.

In some embodiments, the computing device may determine whether thefirst client meets the criterion of a safe loaning level in accordancewith historical behavior recording information of the first client.

Historical behavior recording information, such as transaction behaviorinformation and credit recording information, is acquired to analyzewhether the first client meets the criterion of a safe loaning level,such as very good, good, and bad level, if the verification is passed.The first client may be determined as meeting the criterion of a safeloaning level if its level is higher than the good level, or otherwisethe retrieving request for the first data is suspended.

In some embodiments, the computing device may notify the first clientwhether he/she agrees to a predetermined contract requirement if thefirst client meets the criterion of a safe loaning level. The computingdevice may notify the first client to input a signature information ifthe first client agrees.

The computing device may verify the signature information after thesignature information inputted by the first client is received. Thecomputing device may then consider the predetermined contractrequirement as being sustained if the examination is passed, and thenreturn the process to the step after confirming the corresponding firsttotal amount of the first data that is sent from the data processingserver of the third party to the first client in accordance with thesecond total amount.

For a seller who applies for a loan, the seller indicates whether he/sheagrees to the condition in a contract. The seller may sign the contactif the seller agrees. After the seller signs the contract, the signatureinformation is verified. The condition of the contract is sustained andthe server of third party's financial organization is notified to issuethe loan to the first client if the verification is passed.

In some embodiments, the operation may advance to the operation 104 ifthe first client has passed the verification as meeting the criterion ofa safe loaning level. However, the computing device may suspendretrieving request for the first data if the verification is not passed.

In some embodiments, the computing device may determine whether thefirst server has ever allowed the first client's retrieving request forthe first data. Then, the computing device may determine whether thesecond total amount is smaller than a threshold value after the firstserver has ever allowed the retrieving request for the first data. Thecomputing device may notify the seller about the contract terms andwhether he/she accepts those terms if the second total amount is smallerthan the threshold value.

In some embodiments, the first client may not need to enter averification code, such as a mobile verification code. In theseinstances, the operation advances to the operation 106 if the firstclient has passed the verification as meeting the criterion of a safeloaning level.

At 108, the computing device may transport any new retrieving requestfor the second data into the request pool after any new retrievingrequest for the second data arrive.

The operations 108-114 will be described in detail as follows by takinga seller, a buyer, and a server of the third financial organization asmentioned above as an example.

Suppose that the seller “a” is active in the networking platform, and abuyer “b” has ordered two new transaction orders including a order #4,which is 50 dollars, and a order #5, which is 80 dollars. As a result,the computing device may direct the new transaction order: the order 4and the order #5, to be placed into the request pool (e.g., the orderpool).

At 110, the computing device may remove the retrieving request for thesecond data will be removed from the request pool after a messageindicating a confirmation of completion of the retrieving request forthe second data has been received. Then, the computing device mayrestart a computation of the second total amount in accordance with, inthe request pool, the second data of the retrieving request for thesecond data.

In other words, the retrieving request for the second data may beremoved from the request pool in an attempt to restart a computation ofa second total amount of the second data corresponding to the retrievingrequests that are currently presented in the request pool for the seconddata after the computing device receives a message indicating aconfirmation of completion of the retrieving request for the second datahas been received.

For example, a transaction order #1 in the order pool has been confirmedas being received by the buyer who then makes the payment of 100dollars; so the transaction order #1 will be removed from the orderpool. Therefore, there are transaction orders including the transactionorder #2, which is 200 dollars, the transaction order #3, which is 300dollars, the transaction order #4, which is 50 dollars, and thetransaction #5, which is 80 dollars, where there are 630 dollars for thesecond total amount in the order pool. In these instances, a message ofconfirming the completion of the retrieving request for the second datamay be obtained if the second client with his/her ID applies the secondvaluable data as the paying value to pay for the first valuable data ofthe retrieving request. Then, a response from the first client withhis/her ID as a confirmation for the above payment may be received.

At 112, the computing device may compare the second total amount withthe first total amount as a comparison result, and determine whether atotal of a third data or a part of the third data is to be returned tothe data processing server of the third party or not in accordance withthe comparing result. The third data corresponds to a confirmation datathat confirms the accomplishment of the retrieving request for thesecond data.

As mentioned above, after the first client receives the retrievingrequests for the second data sent from the second client, the secondclient can respond as a confirmation with respect to the retrievingrequests for the second data. The confirmation may be a message thatrequests the delivery of the product of the transaction order, in whichthe product can be either an entity product, such as a toy, or a virtualproduct, such as a card number and a password of a top-up card.

The buyer may be required to pay for the second data corresponding tothe retrieving request for the second data, i.e. the correspondingproduct information, and further required to confirm that the productcorresponding to the retrieving request for the second data is received.In the present disclosure, a buyer can pay the money while theretrieving request for the second data is being sent, i.e. before theseller delivers the product. Alternatively, a buyer can pay the money byusage of a third data after the product corresponding to the retrievingrequest for the second data is received.

In some embodiments, the computing device may not return a total of athird data or partial third data to the data processing server of thethird party if the second total amount equals to or is larger than thefirst total amount.

For example, if the current first total amount is 600 dollars, when thesecond total amount, which is 630 dollars, is larger than the firsttotal amount, the amount of money, i.e., 100 dollars, paid by the buyeris not required to be returned to the data processing server of thethird party.

F In some embodiments, the computing device may return a total of athird data or a part of the third data to the data processing server ofthe third party if the second total amount is smaller than the firsttotal amount.

The third data which is returned to the data processing platform can bea value of difference between the second total amount and the firsttotal amount. Of course the third data can be returned in other manners.

In the above example, the transaction orders now in the order poolinclude: an order #3 of 300 dollars, an order #4 of 50 dollars, and anorder #5 of 80 dollars if there is another buyer who generates atransaction order #2, confirms the receiving of the product, and makesthe payment of 200 dollars. At step 110, the calculation of the secondtotal amount may be restarted with a result of 430 dollars, which issmaller than the first total amount of 600 dollars; therefore 170dollars of the current received transaction order 2, which is in totalof 200 dollars, will need to be returned to the server of the thirdparty of financial organization.

At 114, the computing device may restart the computation of the firsttotal amount that is obtained as a remaining first total amount bysubtracting the third data, that is returned to the data processingserver of the third party, from the first total amount if the total ofthe third data or the partial third data is returned to the dataprocessing server of the third party. Then, the operation may loop backto the operation 108.

In some embodiments, the first data that is sent from the dataprocessing server of the third party to the first client is partiallypaid back after the total of the third data or a partial third data isreturned to the data processing server of the third party. In otherwords, the corresponding first total amount is changed. At this time,the first total amount is to be computed in consideration of a situationafter the first client is changed. Therefore, a remaining first totalamount may be obtained by subtracting the third data from the firsttotal amount.

Using the above example, the current first total amount is 600 dollarsin which there is 170 dollars paid back, so the remaining first totalamount is 430 dollars. And if 200 dollars thereof is paid back, theremaining first total amount is 400 dollars.

In some embodiments, the computing device may restart the computation ofthe first total amount that is obtained as a remaining first totalamount by subtracting the third data that is returned to the dataprocessing server of the third party from the first total amount afterthe total of the third data or the part of the third data has returnedto the data processing server of the third party. The computing devicemay add an assigned amount in proportion to the remaining first totalamount into the first total amount with respect to the retrievingrequest for the second data if a deadline for returning the third datato the data processing server of the third party exceeds a thresholdvalue.

For example, a buyer makes the payment and receives items for over 5days. Therefore, the computing device may start to compute the interestof the loans, which is a specific ratio of the first total amount, andthe computed interest money may be added to the first total amount togenerate a new first total amount.

Alternatively, the computing device may, from the date that the serverof the third party of financial organization server sends the first datato the seller, start to compute the interest of the remaining loan thatis not paid back as the remaining first total amount for every singleday and add the value to the first total amount from the time that.

In this instance, the first server can request a process for a largeamount of retrieving requests for the second data once the first clientreceives a single retrieving request for the first data from the firstclient. So, an amount of the first client's retrieving requests for thefirst data is reduced. In addition, the computing device may not sendthe notice to the data processing server of the third party if the totalamount of the increasing second data in correspondence to the newtransaction orders that are added to the order pool is larger than thetotal amount of the removed second data in correspondence to thetransaction orders that are removed from the order pool.

FIG. 2 is a schematic diagram of illustrative computing architecturesthat enable data processing. The computing architectures include acomputing device 200. The computing device 200 may be a user device or aserver (e.g., the first server) for a multiple location login control.In one exemplary configuration, the computing device 200 includes one ormore processors 202, input/output interfaces 204, network interface 206,and memory 208.

The memory 208 may include computer-readable media in the form ofvolatile memory, such as random-access memory (RAM) and/or non-volatilememory, such as read only memory (ROM) or flash RAM. The memory 208 isan example of computer-readable media.

Computer-readable media includes volatile and non-volatile, removableand non-removable media implemented in any method or technology forstorage of information such as computer readable instructions, datastructures, program modules, or other data. Examples of computer storagemedia include, but are not limited to, phase change memory (PRAM),static random-access memory (SRAM), dynamic random-access memory (DRAM),other types of random-access memory (RAM), read-only memory (ROM),electrically erasable programmable read-only memory (EEPROM), flashmemory or other memory technology, compact disk read-only memory(CD-ROM), digital versatile disks (DVD) or other optical storage,magnetic cassettes, magnetic tape, magnetic disk storage or othermagnetic storage devices, or any other non-transmission medium that maybe used to store information for access by a computing device. Asdefined herein, computer-readable media does not include transitorymedia such as modulated data signals and carrier waves.

Turning to the memory 208 in more detail, the memory 208 may include arequest receiving module 210, a second total amount computation module212, a first total amount computation module 214, a new second dataretrieving request processing module 216, a confirmed request processingmodule 218, a comparison determining module 220, and a remaining firsttotal amount computation module 222.

The request receiving module 211 may be configured to receive aretrieving request for a first data from a first client, wherein theretrieving request for the first data is sent from the first client torequest data processing server of a third party to send the first datato the first client.

The second total amount computation module 212 may be configured toacquire each retrieving request for a second data that is sent to thefirst client from each second client and to then transport theretrieving requests for the second data into a request pool inaccordance with the retrieving request for the first data. The secondtotal amount computation module 212 may be configured to further computean initial value of a second total amount of the second data inaccordance with a second data corresponding to, in an order pool, theretrieving request for the second data.

The first total amount computation module 214 may be configured tonotify a platform of the third party to send the corresponding firstdata to the first client in accordance with the second total amount, andto record a first total amount of the first data.

The new second data retrieving request processing module 216 may beconfigured to transport any new retrieving request for the second datainto the request pool while any new retrieving request for the seconddata is acquired.

The confirmed request processing module 218 may be configured to removethe retrieving request for the second data from the request pool while aconfirmation message that the retrieving request for the second data hasbeen accomplished is received, and to restart the computation of thesecond total amount in accordance with, in the request pool, the seconddata of the retrieving request for the second data.

The comparison determining module 220 may be configured to compare thesecond total amount with the first total amount as a comparing result,and to determine whether a total of a third data or a part of the thirddata is to be returned to the data processing server of the third partyor not in accordance with the comparing result.

The remaining first total amount computation module 222 may beconfigured to restart the computation of the first total amount that isobtained as a remaining first total amount by subtracting the third datathat is returned to the data processing server of the third party fromthe first total amount, and to return a process to the confirmed requestprocessing module.

The computing device may also include a qualification determining moduleconfigured to determine whether the first client is qualified as beingallowed to send the retrieving request for the first data, and to returnthe process to the second total amount computing module or the firsttotal amount computing module if the first client is qualified. Thequalification determining module may suspend the retrieving request forthe first data sent by the first client if the first client is notqualified.

The comparison determining module 220 may include a first determiningmodule configured to process a decision of not returning a total of thethird data or a part of the third data to the data processing server ofthe third party if the first data equals to or is larger than the seconddata. The comparison determining module 220 may also include a seconddetermining module configured to process a decision of returning a thirddata or a part of the third data to the third party data processingserver if the first data is smaller than the second data.

The computing architectures may also include a processing server of athird party 224 connecting to the computing device 200.

With respect to embodiments of the system, similar embodiments may befound in the embodiments of the above-mentioned methods. The explanationfor every embodiment may be different from each other, where embodimentsmay be combined to implement certain functions of the system.

The present disclosure can be applied in numerously general or specificcomputing system or allocation, such as a personal computer, a firstserver computer, a handheld terminal device, a portable terminal device,a tablet terminal device, a multi-processor system, a system based onmicroprocessor, a networking PC, a minicomputer, a mainframe computer,and a distributed computing environment including any above systems andterminal devices. The present disclosure is preferably used in anembedded system.

The present disclosure can be described in a general context of computerexecutable instructions, such as a program module. Generally, theprogram module includes routines, programs, objects, components, datastructures, etc. that performs particular tasks or implements particularabstract data types. The present disclosure can also be practiced in adistributed computing environment. In such distributed computingenvironment, the task is performed in a remote processing terminal whichis connected via the communicating networks. In a distributed computingenvironment, the program module may be located in a remote and localcomputer storage media including storage terminal equipment.

It should be noted that terms such as “the first” and “the second” isfor distinguishing one object/operation from another object operation,and they should not be deemed as existing the requirement or implicationfor the real relationship among these objects/operations.

Some embodiments of the present disclosure have been described, howeveronce the basic inventive concepts of the present disclosure is learnedby a person skilled in the art, these embodiments can be modified andchanged. Therefore, the appended embodiments are intended to beinterpreted as including the embodiments and all changes andmodifications falling within the scope of the present disclosure.

Although there is provided embodied examples for describing a method anda system for processing data of the present application, the descriptionof the embodiments is only for helping people to understand theprinciple and its core concept. For people with ordinary skill in theart are capable of changing the specific embodiments and a practicalrange according to the concept of the present disclosure. Accordingly,the contents above should not be interpreted as a restriction to thepresent disclosure.

What is claimed is:
 1. A method for processing data, comprising:receiving a retrieving request for a first data from a mobile terminaldevice for a first client to request a data processing server of a thirdparty to send the first data to the first client, the first dataincluding information of a first fund; determining that the first clientmeets a criterion of a safe loan level based on historical behaviorrecording information of the first client; acquiring multiple retrievingrequests for a second data that are sent to the first client from one ormore second clients based on the retrieving request for the first data;transmitting the multiple retrieving requests for the second data into arequest pool; calculating a second total amount of a second fundassociated with the second data in the request pool; removing a certainretrieving request for the second data from the request pool in responseto a confirmation that the certain retrieving request is accomplished;comparing the second total amount with a first total amount of the firstdata to obtain a comparison result; and determining whether to return atotal of a third data or a part of the third data to the data processingserver based on the comparison result, the third data includinginformation of a certain amount that is sent to the first client toconfirm that the certain retrieving request is accomplished, wherein thetotal of the third data or the part of the third data is returned to thedata processing server if the second total amount is equal to or largerthan the first total amount, and the total of the third data or the partof the third data is not returned to the data processing server if thesecond total amount is smaller than the first total amount.
 2. Themethod of claim 1, further comprising: recording the first total amountof the first data; and transmitting an additional retrieving request forthe second data into the request pool in response to a determinationthat the second data is acquired.
 3. The method of claim 1, furthercomprising: suspending the retrieving request for the first data sent bythe first client in response to a determination that the first client isnot qualified as being allowed to send the retrieving request for thefirst data.
 4. The method of claim 1, further comprising: sending aclient identification information corresponding to the first client to areal-name verification database to determine whether the first client ismatched with information in the real-name verification database inresponse to verifying the first client.
 5. The method of claim 1,further comprising: requesting the first client to input signatureinformation to verify that the first client agrees to the predeterminedcontract requirement; examining the signature information while thesignature information input by the first client is received; andnotifying the first client that the predetermined contract requirementis sustained if the examination is passed.
 6. The method of claim 1,further comprising: adding an assigned amount in a proportion to aremaining first total amount into the first total amount if a deadlinefor returning the third data to the data processing server of the thirdparty exceeds a threshold value.
 7. The method of claim 1, furthercomprising: returning a wherein the total of the third data or the partof the third data is returned to the data processing server based on adifference of amount between the first total amount and the second totalamount.
 8. The method of claim 1, further comprising: acquiring eachretrieving request of the multiple retrieving requests for a second datathat is sent to the first client from each of the one or more secondclients in response to the retrieving request for the first data; andplacing the each retrieving request for the second data corresponding toa confirmation response of the first client into the request pool.
 9. Asystem comprising: one or more processors; and memory having storedthereon computer readable instructions that, when executed by the one ormore processors, cause the one or more processors to perform actscomprising: receiving a retrieving request for a first data from amobile terminal device for a first client to request a data processingserver of a third party to send the first data to the first client, thefirst data including information of a first fund; determining that thefirst client meets a criterion of a safe loan level based on historicalbehavior recording information of the first client; acquiring multipleretrieving requests for a second data that are sent to the first clientfrom one or more second clients based on the retrieving request for thefirst data; transmitting the multiple retrieving requests for the seconddata into a request pool; calculating a second total amount of a secondfund associated with the second data in the request pool; removing acertain retrieving request for the second data from the request pool inresponse to a confirmation that the certain retrieving request isaccomplished; comparing the second total amount with a first totalamount of the first data to obtain a comparison result; and determiningwhether to return a total of a third data or a part of the third data tothe data processing server based on the comparison result, the thirddata including information of a certain amount that is sent to the firstclient to confirm that the certain retrieving request is accomplished,wherein the total of the third data or the part of the third data isreturned to the data processing server if the second total amount isequal to or larger than the first total amount, and the total of thethird data or the part of the third data is not returned to the dataprocessing server if the second total amount is smaller than the firsttotal amount.
 10. The system of claim 9, wherein the acts furthercomprise: recording the first total amount of the first data; andtransmitting an additional retrieving request for the second data intothe request pool in response to a determination that the second data isacquired.
 11. The system of claim 9, wherein the acts further comprise:suspending the retrieving request for the first data sent by the firstclient in response to a determination that the first client is qualifiedas being allowed to send the retrieving request for the first data. 12.One or more computer-readable media storing computer-executableinstructions that, when executed by one or more processors, instruct theone or more processors to perform acts comprising: receiving aretrieving request for a first data from a mobile terminal device for afirst client to request a data processing server of a third party tosend the first data to the first client, the first data includinginformation of a first fund; determining that the first client meets acriterion of a safe loan level based on historical behavior recordinginformation of the first client; acquiring multiple retrieving requestsfor a second data that are sent to the first client from one or moresecond clients based on the retrieving request for the first data;transmitting the multiple retrieving requests for the second data into arequest pool; calculating a second total amount of a second fundassociated with the second data in the request pool; removing a certainretrieving request for the second data from the request pool in responseto a confirmation that the certain retrieving request is accomplished;comparing the second total amount with a first total amount of the firstdata to obtain a comparison result; and determining whether to return atotal of a third data or a part of the third data to the data processingserver based on the comparison result, the third data includinginformation of a certain amount that is sent to the first client toconfirm that the certain retrieving request is accomplished, wherein thetotal of the third data or the part of the third data is returned to thedata processing server if the second total amount is equal to or largerthan the first total amount, and the total of the third data or the partof the third data is not returned to the data processing server if thesecond total amount is smaller than the first total amount.
 13. The oneor more computer-readable media of claim 12, wherein the acts furthercomprise: recording the first total amount of the first data; andtransmitting an additional retrieving request for the second data intothe request pool in response to a determination that the second data isacquired.
 14. The one or more computer-readable media of claim 12,wherein the acts further comprise: suspending the retrieving request forthe first data sent by the first client in response to a determinationthat the first client is qualified as being allowed to send theretrieving request for the first data.
 15. The one or morecomputer-readable media of claim 12, wherein the acts further comprise:sending a client identification information corresponding to the firstclient to a real-name verification database to determine whether thefirst client is matched with information in the real-name verificationdatabase in response to verifying the first client.